<PAGE>  25

                                                                  Exhibit 31
CERTIFICATIONS
--------------

I, John G. Sullivan, certify that:

1.        I have reviewed this quarterly report on Form 10-QSB of First Security
          Bancorp, Inc.;

2.        Based on my  knowledge,  this  report  does  not  contain  any  untrue
          statement  of a  material  fact  or  omit to  state  a  material  fact
          necessary to make the statements  made, in light of the  circumstances
          under which such  statements were made, not misleading with respect to
          the period covered by this report;

3.        Based on my knowledge,  the financial statements,  and other financial
          information  included in this report,  fairly  present in all material
          respects the financial condition, results of operations and cash flows
          of the small business issuer as of, and for, the periods  presented in
          this report;

4.        The small  business  issuer's  other  certifying  officer(s) and I are
          responsible for establishing and maintaining  disclosure  controls and
          procedures (as defined in Exchange Act Rules  13a-15(e) and 15d-15(e))
          for the small business issuer and have:

          (a)      Designed such disclosure  controls and procedures,  or caused
                   such disclosure  controls and procedures to be designed under
                   our supervision, to ensure that material information relating
                   to the small  business  issuer,  including  its  consolidated
                   subsidiaries,  is made  known to us by  others  within  those
                   entities, particularly during the period in which this report
                   is being prepared;

          (b)      Evaluated the  effectiveness  of the small business  issuer's
                   disclosure  controls  and  procedures  and  presented in this
                   report  our  conclusions   about  the  effectiveness  of  the
                   disclosure  controls  and  procedures,  as of the  end of the
                   period covered by this report based on such evaluation; and

          (c)      Disclosed  in this  report any  change in the small  business
                   issuer's  internal  control  over  financial  reporting  that
                   occurred  during  the small  business  issuer's  most  recent
                   fiscal  quarter (the small  business  issuer's  fourth fiscal
                   quarter in the case of an annual  report) that has materially
                   affected,  or is reasonably likely to materially  affect, the
                   small  business  issuer's  internal  control  over  financial
                   reporting; and

5.        The small  business  issuer's other  certifying  officer(s) and I have
          disclosed,  based on our most recent  evaluation  of internal  control
          over financial reporting,  to the small business issuer's auditors and
          the audit committee of the small business  issuer's board of directors
          (or persons performing the equivalent functions):

          (a)      All significant  deficiencies and material  weaknesses in the
                   design  or  operation  of  internal  control  over  financial
                   reporting which are reasonably likely to adversely affect the
                   small business issuer's ability to record, process, summarize
                   and report financial information; and

          (b)      Any fraud, whether or not material,  that involves management
                   or other  employees who have a significant  role in the small
                   business issuer's internal control over financial reporting.

                           By: /s/ John G. Sullivan
Date:  November 14, 2003

                           _____________________________________________
                           John G. Sullivan
                           Interim President and Chief Executive Officer

<PAGE>  26


I, John G. Sullivan, certify that:

1.        I have reviewed this quarterly report on Form 10-QSB of First Security
          Bancorp, Inc.;

2.        Based on my  knowledge,  this  report  does  not  contain  any  untrue
          statement  of a  material  fact  or  omit to  state  a  material  fact
          necessary to make the statements  made, in light of the  circumstances
          under which such  statements were made, not misleading with respect to
          the period covered by this report;

3.        Based on my knowledge,  the financial statements,  and other financial
          information  included in this report,  fairly  present in all material
          respects the financial condition, results of operations and cash flows
          of the small business issuer as of, and for, the periods  presented in
          this report;

4.        The small  business  issuer's  other  certifying  officer(s) and I are
          responsible for establishing and maintaining  disclosure  controls and
          procedures (as defined in Exchange Act Rules  13a-15(e) and 15d-15(e))
          for the small business issuer and have:

          (a)      Designed such disclosure  controls and procedures,  or caused
                   such disclosure  controls and procedures to be designed under
                   our supervision, to ensure that material information relating
                   to the small  business  issuer,  including  its  consolidated
                   subsidiaries,  is made  known to us by  others  within  those
                   entities, particularly during the period in which this report
                   is being prepared;

          (b)      Evaluated the  effectiveness  of the small business  issuer's
                   disclosure  controls  and  procedures  and  presented in this
                   report  our  conclusions   about  the  effectiveness  of  the
                   disclosure  controls  and  procedures,  as of the  end of the
                   period covered by this report based on such evaluation; and

          (c)      Disclosed  in this  report any  change in the small  business
                   issuer's  internal  control  over  financial  reporting  that
                   occurred  during  the small  business  issuer's  most  recent
                   fiscal  quarter (the small  business  issuer's  fourth fiscal
                   quarter in the case of an annual  report) that has materially
                   affected,  or is reasonably likely to materially  affect, the
                   small  business  issuer's  internal  control  over  financial
                   reporting; and

5.        The small  business  issuer's other  certifying  officer(s) and I have
          disclosed,  based on our most recent  evaluation  of internal  control
          over financial reporting,  to the small business issuer's auditors and
          the audit committee of the small business  issuer's board of directors
          (or persons performing the equivalent functions):

          (a)      All significant  deficiencies and material  weaknesses in the
                   design  or  operation  of  internal  control  over  financial
                   reporting which are reasonably likely to adversely affect the
                   small business issuer's ability to record, process, summarize
                   and report financial information; and

          (b)      Any fraud, whether or not material,  that involves management
                   or other  employees who have a significant  role in the small
                   business issuer's internal control over financial reporting.

                          By: /s/ John G. Sullivan
Date:  November 14, 2003

                          ____________________________________________________
                          John G. Sullivan
                          Chief Financial Officer and Executive Vice-President